“My parents agree to at MOST take out $40,000 per year in loans.” ARE YOU INSANE? DO NOT PUT YOUR PARENTS INTO THAT KIND OF DEBT FOR YOUR UNDERGRADUATE DEGREE!!!
You have better and more affordable options. Spend another year at your CC, then transfer to a better place than DePaul. With any luck at all it will be less expensive too. For ideas on your options, speak with the Transfer Advisor at your CC. Surely there is at least one public U in Illinois with an articulation agreement that guarantees transfer admission for your major.